Genesee Regional Bank

This is a financial institution that specializes in SBA loans and small business financing, offering guidance and support for entrepreneurs seeking government-backed funding options.

It is recommended to schedule an appointment to ensure personalized service, but walk-ins may be accommodated depending on availability.

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday, but hours may vary, so it’s best to contact ahead.

There are no fees for visiting or consulting; however, loan processing fees and closing costs apply depending on the loan terms.

This lender primarily serves small businesses within the regional area, but eligibility depends on meeting specific financial criteria.

A minimum personal credit score of around 640 is generally preferred, though higher scores can improve approval chances.

The process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Genesee Regional Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Genesee Regional Bank to confirm current weekend availability before you go.

Genesee Regional Bank is located in New York — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Genesee Regional Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Genesee Regional Bank itself, which runs its own lending under its own ownership. If you work at Genesee Regional Bank, you can claim this listing from this page to manage it.

The core details for Genesee Regional Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Genesee Regional Bank before applying. If you represent Genesee Regional Bank, claim this listing to keep its information up to date.

You can reach Genesee Regional Bank by phone at (585) 249-1540 or online at grbbank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Genesee Regional Bank before relying on them.

Based on its approved SBA loans, Genesee Regional Bank most often finances businesses in manufacturing, construction & contractors, restaurants & food service, dental practices, fitness & recreation, and general retail. This reflects Genesee Regional Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Genesee Regional Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Genesee Regional Bank participates in SBA Express depends on its specific SBA lending authority. Contact Genesee Regional Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Genesee Regional Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Genesee Regional Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Genesee Regional Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Genesee Regional Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Genesee Regional Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Genesee Regional Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Genesee Regional Bank weighs this case by case under its own policy, so be upfront about your history and ask Genesee Regional Bank how it evaluates prior bankruptcies.